Lower Your 2018 FIAT 500X Insurance Quotes

Looking for cheaper auto insurance rates for your FIAT 500X? If online auto insurance comparisons are new to you, it’s easy to get confused of online auto insurance companies and websites all advertising big savings.

Finding the best rates is easy if you know what you’re doing. Just about everyone who carries insurance coverage will be able to lower their premiums. But consumers need to have an understanding of the way companies compete online because it can help you find the best coverage.

How to lower your insurance prices

Many different elements are part of the equation when you quote your car insurance policy. Some factors are common sense like an MVR report, although some other factors are not quite as obvious such as your marital status or your vehicle rating.

• Combine policies to earn discounts – Most larger insurance companies allow lower prices to policyholders that buy multiple policies in the form of a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s always a smart idea to compare other insurance prices to make sure you are getting the best deal.
• Commute or pleasure use – The higher the mileage driven annually the higher your rates will be. Most companies charge to insure your cars based upon how much you drive. Vehicles that do not get driven very much qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your 500X can cost quite a bit. Ask your agent if your declarations sheet reflects annual mileage.
• Little extras can really add up – Policies have add-on coverages that can add up if you aren’t diligent. Coverages for rental car coverage, high-cost glass coverage, and membership fees could be just wasting money. They may sound like good ideas when buying your policy, but now you might not need them so remove them and pocket the money.
• Improve your credit score – A driver’s credit score will be a significant factor in determining your rates. If your credit history is not that good, you could save money insuring your 2018 FIAT 500X by improving your rating. Consumers who have very good credit scores tend to be less risk to insure than drivers who have poor credit scores.
• File claims and pay more – Car insurance companies award the best rates to policyholders who only file infrequent claims. If you are a frequent claim filer, you can pretty much guarantee higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
• Mature drivers save more – Youthful drivers are statistically shown to be careless and easily distracted when behind the wheel so car insurance rates are higher. If you’ve ever had to add a inexperienced driver to your policy can increase premiums substantially. More experienced drivers are shown to be more cautious, cost insurance companies less in claims , and usually have better credit.
• Choose high NHTSA crash test ratings and save – Vehicles that have high safety ratings can get you lower premiums. The safest vehicles protect occupants better and reduced instances of injuries means your insurance company pays less which can mean better rates for you. If the FIAT 500X is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Marriage is a factor – Having a wife or husband may save some money when shopping for car insurance. Having a significant other may mean you are more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.

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Finding insurance

Most larger insurance companies such as Allstate and Progressive allow consumers to get prices for coverage online. Getting quotes is possible for anyone as you simply type in your coverage information on the page. When the form is submitted, the company’s rating system obtains information on your driving record and credit history and returns a price.

Quoting online makes it a lot easier to compare rates but having to visit many different websites and type in the same data gets old quite quickly. But it’s also necessary to have as many quotes as possible in order to find lower prices.

Isn’t there an easier way to compare rates?

A better way to get multiple rate quotes uses just one form that obtains quotes from more than one company. This type of form saves time, requires much less work on your part, and makes price shopping online much simpler. After sending your information, it is quoted and you are able to buy any one of the returned quotes. If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and may result in a nice savings.

To find out if lower rates are available, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you input as shown on your current policy. Doing this assures you will get comparison quotes based on similar coverages.

Cheaper rates by taking advantage of discounts

Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically at quote time, but a few must be requested specifically in order for you to get them.

• Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
• Defensive Driver Discounts – Taking a course teaching defensive driving skills could earn you a small percentage discount if you qualify.
• Telematics Devices – Policyholders that allow driving data submission to spy on their driving habits remotely such as Progressive’s Snapshot could see a rate decrease if they show good driving skills.
• Paperwork-free – A few companies will discount your bill up to fifty bucks get insurance over the internet.
• Discount for Multiple Policies – If you can combine your home and auto policy with one company you will save nearly 15% which can help you find cheaper insurance.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A list of insurance coverage companies and their offered discounts are included below.

• Progressive may offer discounts for online signing, multi-vehicle, multi-policy, online quote discount, and good student.
• AAA has discounts for multi-car, good driver, AAA membership discount, education and occupation, multi-policy, and good student.
• Farmers Insurance may have discounts that include homeowner, electronic funds transfer, business and professional, pay in full, and switch companies.
• Geico offers discounts including multi-policy, driver training, defensive driver, federal employee, anti-lock brakes, seat belt use, and multi-vehicle.
• Esurance offers discounts for paid-in-full, homeowner, online shopper, anti-theft, and defensive driver.
• SAFECO has savings for bundle discounts, anti-lock brakes, accident prevention training, multi-car, safe driver, and teen safe driver.
• State Farm offers premium reductions for safe vehicle, driver’s education, good driver, multiple autos, accident-free, Steer Clear safe driver discount, and multiple policy.

Check with each company or agent which discounts you may be entitled to. Some discounts listed above might not apply in your state.

How much insurance coverage do I need?

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if your situation might need professional guidance.

• Does my 2018 FIAT 500X need full coverage?
• Do I need added coverage for expensive stereo equipment?
• What should my uninsured motorist coverage limits be in my state?
• Am I better off with higher deductibles on my 2018 FIAT 500X?
• What is the minimum liability in my state?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I covered if I hit a deer?
• Will my rates increase for filing one claim?
• How can I find cheaper teen driver insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form.

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Auto insurance 101

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive auto insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, damage from a tornado or hurricane, hail damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2018 FIAT 500X.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability car insurance

Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things like medical services, funeral expenses, repair bills for other people’s vehicles, medical expenses and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

Collision coverage pays for damage to your 500X resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, crashing into a ditch, crashing into a building, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for funeral costs, ambulance fees and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Quote more, save more

As you quote insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability coverage limits only to discover later they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

Drivers who switch companies do it for any number of reasons including poor customer service, delays in paying claims, questionable increases in premium and policy non-renewal. It doesn’t matter what your reason, switching auto insurance companies can be pretty painless.

In this article, we presented a lot of tips how to lower your 2018 FIAT 500X insurance prices. It’s most important to understand that the more times you quote, the better chance you’ll have of finding cheaper insurance. Drivers may discover the best prices are with a lesser-known regional company.

More information can be found at these links:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)

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